Our commitment to your safety

Protecting your money and your information is our highest priority. We are committed to protecting your financial information and have extensive security features in place to ensure banking online is safe and private. Here you can read about how we can work together to protect your information so you can feel safe and secure when transacting online.

  • Our online banking platform is provided by our credit union partner, Central 1 Credit Union. Central 1 follows ISO 27001, an international standard for Information Security Management Systems (ISMS).
  • Our firewalls prevent unauthorized access to our internal systems. Data coming to us from your computer via the internet goes through a series of safety checkpoints so that only authorized messages and transactions enter our computer systems.
  • Your accounts can only be accessed by providing the correct login User ID and Password/Personal Access Code (PAC), which only you know.
  • Online banking sessions that time-out automatically if there has been no account activity for 15 minutes. If the system detects that you have been inactive for 15 minutes or more, you will be required to sign in again.
  • If you don't log in to online banking for more than 30 days, your account will be inactive for security purposes and you may be locked out. If this occurs, please contact our Member Solutions Centre to regain access to your account.

While we take strong measures to protect your information, we also recommend that you take these important safeguards to keep your information safe.

How you can protect yourself

It’s important to keep your web browser up-to date as it will host the latest security features to protect you when you’re online.

Online Banking and the Internet

  • To ensure a safe and secure banking session, ensure your operating system, web browser and applications have the most current update and only visit reputable sites. If you visit a website that displays advertising pop ups for instance, we recommend you close your browser and restart it before proceeding to Access Credit Union Online Banking.
  • Install and use a quality anti-virus program and ensure it is upgraded regularly.
  • Do not use automatic password-save features in the browsers and software you use to access Online Banking.
  • Whenever possible, avoid using public computers that have been setup for shared public purposes, such as internet cafes, libraries and even hotels when accessing Online Banking. Although using a supported browser will help with security, public computers accessed by hackers can be made to store keystrokes and record personal information without your knowledge.
  • Use a cellular network instead of public Wi-Fi to do online banking.
  • Never leave your PC unattended while using our Access Credit Union Services. Always exit Online Banking using the logout button, and close your browser if you step away from your computer. Your internet browser software may retain information you entered in the login screen and elsewhere until you exit the browser.
  • Secure or erase files stored on your PC by clearing your cache in your Internet browser regularly. Most Internet browsers store information in non-protected (unencrypted) files in the browser’s cache to improve performance. The files remain until they are erased by clearing your cache.
  • Every time you use Online Banking, you will need to enter your username and Password/PAC, which ensures only you can log into your accounts. Your User ID and password/PAC are your keys to safe and secure banking.

Here are some best practices to follow:

  • Do not share your Password/PAC with anyone.
  • Never automatically save your password/PAC to your internet browser.
  • Choose a Password/PAC that is easy for you to remember but difficult for other to guess.
  • Do not keep your Password/PAC in obvious places such as sticky notes around your monitor or under your keyboard.
  • Use a mix of numbers, symbols, upper and lower case letters for your password.
  • Never disclose your Password/PAC in a voicemail, email or in conversation over the phone.
  • Ensure that you change your Password/PAC on a regular basis.
  • Set up account alerts from within your online banking

Direct Alerts are a great way to automatically warn you of certain changes to your online banking account. As an additional layer of security, Direct Alerts allow you to receive notifications via text message or email which will prompt you to inform us of any suspicious activity so as we can investigate and take immediate action.

  • Navigate to the “Messages and Alerts” area on the left hand side menu of your main page once you have logged in.
  • Click on the “Manage Alerts” subcategory within that area.
  • Choose any of the available alerts from the list that you would like to activate and follow the prompt to set up.

Protect Yourself from Phishing

Phishing or hoax emails and tests are fraudulent communications that appear to be sent from Access Credit Union or other legitimate businesses and companies. These emails or texts try to trick you into providing personal information, such as your member number, online or telephone banking passwords, card details, birth date, driver’s licence or passport number or any other personal information that might be used to identify you.

Emails can also be from unknown senders and contain links or attachments that download and install malware onto your computer.

How can you protect yourself from phishing scams?

  1. Recognize that Access Credit Union, will never ask you for confidential information by way of unsolicited phone calls or email. So if you receive communication regarding your account via one of these channels, be immediately suspicious.
  2. Be alert. Phishing e-mails are designed to look legitimate. Often they include an organization’s logo and mimic the organization’s branding. But look closer. Hold your mouse over any hyperlinks in the document and watch which address comes up in your browser’s status bar. Chances are it’s not the organization’s legitimate website. Spelling mistakes and grammar errors are another dead giveaway.
  3. Do your research. Visit for news and alerts about current scams. If you don’t find anything listed, don’t be afraid to call the organization directly and ask.

If you receive an e-mail from Access Credit Union that looks suspicious, please contact your branch immediately.

For more information on how you can stay cyber-safe, visit the Government of Canada’s website at

Important: We are upgrading to a new digital banking platform. Please update or verify your mobile number or personal email by June 1st to access online banking post-upgrade. Learn more>>